SIP wealth creators

Biggest 3Y SIP wealth creators

What a ₹10,000 monthly SIP started 3Y ago would be worth today, fund by fund. Direct plans, growth option only. Cash-parking categories (overnight / liquid / ultra-short / money-market / floater / arbitrage) are excluded. All figures are split-adjusted (see splits log).

Window: 1Y 3Y 5Y 7Y 10Y

#	Scheme	Category	Invested	Today's value	Multiplier	XIRR
1	Mirae Asset NYSE FANG + ETF Fund of Fund Direct Growth Mirae Asset	Fund of Funds - Domestic	₹360,000	₹741,068	2.06×	+52.95%
2	Motilal Oswal Nasdaq 100 Fund of Fund- Direct Plan Growth Motilal Oswal	Fund of Funds - Domestic	₹360,000	₹727,167	2.02×	+51.39%
3	DSP World Mining Overseas Equity Omni FoF - Direct Plan - Growth DSP	Fund of Funds - Overseas	₹360,000	₹705,825	1.96×	+48.96%
4	HSBC Global Emerging Market Fund - Growth Direct HSBC	Fund of Funds - Overseas	₹360,000	₹689,747	1.92×	+47.10%
5	Quantum Gold Savings Fund - Direct Plan Growth Option Quantum	Fund of Funds - Domestic	₹360,000	₹681,406	1.89×	+46.12%
6	Mirae Asset Global Electric & Autonomous Vehicles Equity Passive FOF - Direct Plan - Growth Mirae Asset	Fund of Funds - Overseas	₹360,000	₹680,895	1.89×	+46.06%
7	UTI Gold ETF Fund of Fund - Direct Plan - Growth Option UTI	Fund of Funds - Domestic	₹360,000	₹678,059	1.88×	+45.72%
8	Aditya Birla Sun Life Gold Fund - Growth - Direct Plan Aditya Birla Sun Life	Fund of Funds - Domestic	₹360,000	₹675,337	1.88×	+45.40%
9	SBI GOLD FUND- DIRECT PLAN - GROWTH SBI	Fund of Funds - Domestic	₹360,000	₹674,455	1.87×	+45.30%
10	ICICI Prudential Gold ETF FOF - Direct Plan - Growth ICICI Prudential	Fund of Funds - Domestic	₹360,000	₹674,268	1.87×	+45.27%
11	Kotak Gold Fund Growth - Direct Kotak	Fund of Funds - Domestic	₹360,000	₹672,918	1.87×	+45.11%
12	ICICI Prudential Strategic Metal and Energy Equity Fund of Fund - Direct Plan Growth ICICI Prudential	Fund of Funds - Overseas	₹360,000	₹672,780	1.87×	+45.10%
13	Edelweiss Emerging Markets Opportunities Equity Offshore Fund - Direct Plan - Growth Option Edelweiss	Fund of Funds - Overseas	₹360,000	₹672,355	1.87×	+45.05%
14	Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option Nippon India	Fund of Funds - Domestic	₹360,000	₹671,762	1.87×	+44.98%
15	Axis Gold Fund - Direct Plan - Growth option Axis	Fund of Funds - Domestic	₹360,000	₹670,058	1.86×	+44.77%
16	Invesco India Gold ETF Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Domestic	₹360,000	₹664,489	1.85×	+44.11%
17	Kotak Global Emerging Market overseas Equity Omni FOF - Growth - Direct Kotak	Fund of Funds - Overseas	₹360,000	₹650,542	1.81×	+42.43%
18	HSBC Asia Pacific (Ex Japan) Dividend Yield Fund - Growth Direct HSBC	Fund of Funds - Overseas	₹360,000	₹640,685	1.78×	+41.22%
19	Mirae Asset S&P 500 Top 50 ETF Fund of Fund Direct Growth Mirae Asset	Fund of Funds - Domestic	₹360,000	₹635,667	1.77×	+40.60%
20	Navi NASDAQ100 US Specific Equity Passive FOF- Direct- Growth Navi	Fund of Funds - Overseas	₹360,000	₹634,273	1.76×	+40.43%
21	ICICI Prudential NASDAQ 100 Index Fund - Direct Plan - Growth ICICI Prudential	Index Fund	₹360,000	₹633,383	1.76×	+40.32%
22	Kotak US Specific Equity Passive FOF- Direct Plan - Growth Kotak	Fund of Funds - Overseas	₹360,000	₹632,955	1.76×	+40.27%
23	Edelweiss Greater China Equity Off-shore Fund - Direct Plan - Growth Option Edelweiss	Fund of Funds - Overseas	₹360,000	₹632,641	1.76×	+40.23%
24	Invesco India - Invesco EQQQ Nasdaq-100 ETF Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Overseas	₹360,000	₹632,223	1.76×	+40.18%
25	Aditya Birla Sun Life US Equity Passive FOF-Direct-Growth Aditya Birla Sun Life	Fund of Funds - Overseas	₹360,000	₹630,821	1.75×	+40.01%
26	Edelweiss US Technology Equity Fund of Fund- Direct Plan- Growth Edelweiss	Fund of Funds - Overseas	₹360,000	₹630,242	1.75×	+39.93%
27	Axis NASDAQ 100 US Specific Equity Passive FOF - Direct Plan - Growth Axis	Fund of Funds - Overseas	₹360,000	₹627,106	1.74×	+39.54%
28	Invesco India - Invesco Global Consumer Trends Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Overseas	₹360,000	₹625,865	1.74×	+39.39%
29	PGIM India Emerging Markets Equity Fund of Fund - Direct Plan - Growth PGIM India	Fund of Funds - Overseas	₹360,000	₹620,372	1.72×	+38.70%
30	DSP US Specific Equity Omni FoF - Direct Plan - Growth DSP	Fund of Funds - Overseas	₹360,000	₹618,673	1.72×	+38.49%
31	DSP Global Clean Energy Overseas Equity Omni FoF Direct Plan - Growth DSP	Fund of Funds - Overseas	₹360,000	₹606,416	1.68×	+36.94%
32	Axis Greater China Equity Fund of Fund - Direct Plan - Growth Option Axis	Fund of Funds - Overseas	₹360,000	₹590,463	1.64×	+34.89%
33	Franklin Asian Equity Fund - Direct - Growth	Sectoral/Thematic Fund	₹360,000	₹580,480	1.61×	+33.59%
34	DSP Global Innovation Overseas Equity Omni FoF - Direct - Growth DSP	Fund of Funds - Overseas	₹360,000	₹579,014	1.61×	+33.40%
35	SBI US Specific Equity Active FoF - Direct Plan - Growth SBI	Fund of Funds - Overseas	₹360,000	₹568,441	1.58×	+32.00%
36	Axis Global Innovation Fund of Fund - Direct Plan - Growth Axis	Fund of Funds - Overseas	₹360,000	₹567,629	1.58×	+31.89%
37	HDFC Defence Fund - Growth Option - Direct Plan HDFC	Sectoral/Thematic Fund	₹360,000	₹559,138	1.55×	+30.76%
38	Navi Total Stock Market US Specific Equity Passive FoF- Direct Plan- Growth Navi	Fund of Funds - Overseas	₹360,000	₹555,964	1.54×	+30.33%
39	HDFC Developed World Overseas Equity Passive FOF - Direct Plan - Growth Option HDFC	Fund of Funds - Overseas	₹360,000	₹555,483	1.54×	+30.27%
40	Motilal Oswal S&P 500 Index Fund - Direct Plan Growth Motilal Oswal	Index Fund	₹360,000	₹554,391	1.54×	+30.12%
41	Kotak Global Innovation Overseas Equity Omni FOF- Direct Plan -Growth Kotak	Fund of Funds - Overseas	₹360,000	₹552,654	1.54×	+29.89%
42	Edelweiss Europe Dynamic Equity Offshore Fund - Growth Option - Direct Plan Edelweiss	Fund of Funds - Overseas	₹360,000	₹547,375	1.52×	+29.17%
43	Bandhan US specific Equity Active FOF - GROWTH - DIRECT PLAN Bandhan	Fund of Funds - Overseas	₹360,000	₹542,572	1.51×	+28.51%
44	Nippon India Japan Equity Fund- Direct Plan- Growth Plan- Bonus Option Nippon India	Sectoral/Thematic Fund	₹360,000	₹535,786	1.49×	+27.58%
45	Nippon India Japan Equity Fund- Direct Plan- Growth Plan- Growth Option Nippon India	Sectoral/Thematic Fund	₹360,000	₹535,786	1.49×	+27.58%
46	Invesco India - Invesco Pan European Equity Fund of Fund - Direct Plan - Growth Option Invesco	Fund of Funds - Overseas	₹360,000	₹534,109	1.48×	+27.35%
47	Aditya Birla Sun Life International Equity Fund - Growth - Direct Plan Aditya Birla Sun Life	Sectoral/Thematic Fund	₹360,000	₹532,431	1.48×	+27.11%
48	Aditya Birla Sun Life Global Emerging Opportunities Fund - Direct plan - Growth Option Aditya Birla Sun Life	Fund of Funds - Overseas	₹360,000	₹530,977	1.47×	+26.91%
49	Invesco India - Invesco Global Equity Income Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Overseas	₹360,000	₹527,014	1.46×	+26.36%
50	Axis Global Equity Alpha Fund of Fund - Direct Plan - Growth Option Axis	Fund of Funds - Overseas	₹360,000	₹523,896	1.46×	+25.92%

What this list does (and doesn't) show

Each row is a backwards-looking simulation: a fixed ₹10,000 invested every month at the prevailing NAV, accumulating units, then valued at today's NAV. XIRR is the annualised internal rate of return on the resulting cash flow.

A fund at the top of this list was a great wealth creator. It does not guarantee future returns. Sectoral and thematic funds (gold, Nasdaq, Indian PSU) dominate the top of short windows because of one-off mega-rallies — typically a sign of high volatility rather than a steady ride. Look at the most-consistent list for the opposite angle.

How the math is split-adjusted

Some funds have had unit consolidation events that look like 10× returns in the raw NAV data but were actually a no-op for the investor (units halved, NAV doubled, or some other clean ratio). We detect these events and adjust the historical NAV series so the SIP simulation produces the number a real investor's portfolio would have shown. See the splits log for the full list of affected funds.